Rewards Plus Checking

  • Rating: 5.0 (1)

Rewards Plus Checking pays 2.50% APY* on qualified account balances, up to $20,000, and is loaded with other valuable benefits!

- Earn even more with a Rewards Plus CD

Qualifying accounts also earn up to $25 in ATM fee refunds each month. It's also packaged with a wealth of benefits from ID Theft protection to overdraft forgiveness.

To qualify for the REWARDS Plus Checking account dividend, you only have to do three easy things each monthly qualification cycle:

  1. Receive an electronic statement instead of a paper statement.
  2. At least 12 ISU Credit Union debit card purchases must post and clear.
  3. Have at least one direct deposit or make at least one automatic payment from your account.

How much will I earn with Rewards Checking?

Enter your checking account balance:

Interest earned in one month: $
Interest earned in one year: $

Features & Benefits

Annual Savings Value: $739

  • 1 Free Overdraft Forgiveness Per Year
  • 12 FREE Official Checks Per Year
  • Free Instant Issue Debit Card
  • FREE Direct Deposit and Payroll Deductions
  • Anytime phone access through PAT, our automated phone system
  • FREE Notary Public Service
  • Rewards Plus CD (0.25% bump with active Rewards account)

Idaho State University Debit Card

Get your own custom ISU debit card… instantly!

image of ISU debit card from Idaho State University Credit Union
image of ISU debit card from Idaho State University Credit Union
image of ISU debit card from Idaho State University Credit Union

Rates

Checking Rates

  •  06/01/2016
Minimum Balance Compounded / Paid Annual Percentage Yield (APY)1 Monthly Due Alert Me
REWARDS Plus Checking $0.01-$20,0002 Monthly 2.50% $3
$20,000+2 Monthly 0.25%
If qualifications not met3 Monthly 0.01%
Senior Checking $25.00 Monthly/Monthly 0.01% $3
Basic Checking $25.00 N/A 0.00% $0
Youth Debit Account $25.00 N/A 0.00% $0
Money Market Checking $2,500 + Monthly 0.15% $6.50 (Fee waived with $2,500 daily balance)
Share rates effective 07/01/2017 Money Market Rates effective 7/01/2017. The dividend rate and annual percentage yield may change at any time, as determined by the ISU Credit Union Board of Directors. A list of terms and conditions which apply to the above accounts is available at the Credit Union. Fees could reduce the earnings on the accounts. ISU Credit Union attempts to update rates immediately whenever a change occurs; however, the listed rates are not guaranteed accurate.
  • 1APY = Annual Percentage Yield
  • 2Annual Percentage Yield (APY). Account balances over $20,000 will be paid 0.25% APY on the balance over $20,000. A “qualification cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Accounts which do not meet the three monthly qualifications will earn 0.01% APY on the entire account balance. REWARDS Plus checking is available only on personal accounts.
  • 3Requires monthly qualifications: 12 debit card purchases, a direct deposit or automatic payment, receive electronic statement.

How do I use my chip card at a chip-enabled terminal?

EMV - How To

Rewards Round-Up

Build your savings automatically with our REWARDS Round-Up savings program

With our REWARDS Round Up savings program, bags of groceries, cups of coffee and tanks of gas purchased with your ISU Credit Union debit card* may automatically add up to more savings for you.

How REWARDS Round-Up works

Enroll in our REWARDS Round-Up savings program and when you make everyday purchases with your ISU Credit Union debit card*, we'll:

  • Round up your purchase to the nearest dollar amount
  • Transfer the difference from your REWARDS Plus checking account to your savings account
  • Track your savings in Online Banking

REWARDS Round-Up Sample

  •  
Your Purchase Item Price Rounded Up To Transferred to Savings Alert Me
Coffee $3.37 $4.00 $0.63
Lunch Combo Meal $5.20 $6.00 $0.80
Gas $37.01 $38.00 $0.99
Groceries $87.90 $88.00 $0.10
Total Transferred
to Savings = $2.52

ID Theft Protection

Fraud Defender

We’ve partnered with a national identity theft protection service called Fraud Defender to help provide aggressive safeguards for our valued members. Our new streamlined checking accounts will come with both financial rewards as before and peace of mind by being part of an identity protection system. 

*Annual Percentage Yield (APY). Account balances over $20,000 will be paid 0.25% APY on the balance over $20,000. A “qualification cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle.  Accounts which do not meet the three monthly qualifications will earn 0.01% APY on the entire account balance. REWARDS Plus checking is available only on personal accounts.

Comments

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Rewards Plus - the best checking around!

I love this account because it has so many features that I use on a regular basis - $25 in monthly ATM fee refunds - 2.05% rate, free cashiers checks and more!
Posted By: John Williams
224 days 17 hrs 40 mins 27 secs ago
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 Rewards Plus - Nothing Like it!

Thanks John - I would have to agree with you about the Rewards account. The rate is now 2.50% so you can earn even more value with this amazing checking account.
Posted By: BJ F.
223 days 20 hrs 32 mins 20 secs ago
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